def process_student_scores(data):
    total_score = 0
    highest_score = -1
    highest_student = ""
    failed_students = []
    student_count = len(data)

    for entry in data:
        name, score_str = entry.split(',')
        score = int(score_str)
        total_score += score

        # 查找最高分
        if score > highest_score:
            highest_score = score
            highest_student = name

        # 不及格名单
        if score < 60:
            failed_students.append(name)

    average_score = total_score / student_count if student_count > 0 else 0

    return {
        'average': average_score,
        'highest': (highest_student, highest_score),
        'failed': failed_students
    }

# 示例数据
data = ["Tom,88", "Jerry,59", "Anna,97", "Lucy,54", "Bob,70"]

# 调用函数处理数据
result = process_student_scores(data)

# 输出结果
print("平均分：{:.2f}".format(result['average']))
print("最高分学生：{}，分数：{}".format(result['highest'][0], result['highest'][1]))
print("不及格学生名单：", result['failed'])